Keinen pauschalen Beitrag
mehr leisten, sondern durch das eigene Verhalten selber bestimmen, wie viel man
zahlt – sieht so das Versicherungsmodell der Zukunft aus? Was bei Lebens- und
Krankenversicherungen „Pay as you live“ genannt wird und wegen der notwendigen
Weitergabe sensibler Gesundheitsdaten höchst umstritten ist, findet im Bereich
der Kfz-Policen schon seit Jahren zunehmend Anwendung. Telematik (aus
Telekommunikation und Informatik) ist der Oberbegriff für die verhaltens- und
datenbasierten Versicherungsmodelle bei Kraftfahrzeugen.
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